SMS Compliance & Opt-In for Communications

1. Program description

Bruno & Cole Inquisitions & Associates offers an optional text messaging program used solely for account servicing: balance reminders, payment confirmations, payment plan notices, document requests, and responses to your inquiries. We do not send marketing or promotional text messages.

2. How you opt in

You are enrolled only after providing express written consent. Consent may be given by:

• Checking the consent box on our website contact or payment form;
• Providing verbal consent on a recorded call with a representative;
• Texting a keyword or replying YES to a confirmation message from our number;
• Signing a payment arrangement that includes the SMS consent disclosure.

Consent to receive text messages is not a condition of any payment plan, settlement, or resolution of your account.

3. Message frequency

Message frequency varies by account activity and generally does not exceed four messages per month. Messages are sent only between 8:00 AM and 9:00 PM in the recipient's local time zone.

4. Cost

We do not charge for text messages. Message and data rates may apply based on your mobile carrier plan. Supported carriers include AT&T, Verizon Wireless, T-Mobile, and others; carriers are not liable for delayed or undelivered messages.

5. How to opt out

Reply STOP to any message to cancel. You will receive a single confirmation message and no further texts. You may also opt out by calling (212) 555-0147 or emailing info@brunoandcole.com. Opting out of text messages does not stop other permitted communications about your account, such as mailed notices.

6. Help

Reply HELP for assistance, or contact us at (212) 555-0147 or info@brunoandcole.com.

7. Privacy of your mobile number

We do not sell, rent, or share mobile phone numbers or SMS consent with third parties or affiliates for marketing purposes. Numbers are shared only with the messaging service providers that deliver messages on our behalf, and only for that purpose. See our Privacy Policy for full details.

8. Content and confidentiality

Text messages are kept brief and do not disclose the existence of a debt to third parties in a manner prohibited by law. Messages may be delivered to a device other than yours if your number changes; please notify us promptly if your mobile number changes.

9. Regulatory compliance

Our messaging program is operated in accordance with the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA) and Regulation F, CTIA messaging principles and best practices, and applicable New York State and New York City debt collection rules.

10. Changes and contact

We may update these SMS terms; the "last updated" date reflects the current version. Questions may be directed to Bruno & Cole Inquisitions & Associates, 120 Broadway, Suite 1400, New York, NY 10271 · (212) 555-0147 · info@brunoandcole.com.